Affordable Care Act health plans

How to get started if you're looking for an ACA plan

There’s a lot of talk about the Affordable Care Act (ACA) and the Health Insurance Marketplace. When the ACA started, Health Insurance Marketplaces (also called Exchanges) were set up. These marketplaces are designed to make it easier to shop for and compare health plans. The government manages the Marketplaces. They can be run by the state or national government — or sometimes the two work together.

If you’re looking for an ACA plan, you can explore the options below to find the coverage you need.

Haven't signed up for a 2021 ACA plan yet?

Enrollment for Exchange plans is open through August 15, 2021

Starting April 1, 2021, consumers enrolling in Marketplace coverage will be able to take advantage of lower premiums and access to financial assistance during the American Rescue Plan Act of 2021 (ARPA) announced by the Biden administration. UnitedHealthcare Exchange plans offer a variety of affordable, reliable coverage options. You can find plans available in your area at UnitedHealthcare Exchange plans or you can call 1-800-806-0451 TTY 711.

If you’re looking for ACA plans in New York or Massachusetts, visit or call 1-844-joinUHC to learn about plans available near you.

Looking for ACA tax forms?

There are 3 types of forms you may need to file your taxes. 

Form 1095-A is the Health Insurance Marketplace Statement. You'll receive this form if you enrolled in coverage through the Marketplace.

Form 1095-B is a form you may receive from your health insurance company. If you're a UnitedHealthcare member and you need this form, you may:

Form 1095-C is a form you may receive from your employer if get your health plan through work. 

Learn more about ACA tax forms from the Internal Revenue Service (IRS).


What are qualifying life events?

Learn about exceptions called qualifying life events that let you buy a plan during a Special Enrollment Period. 

You may qualify for tax credits or other help to pay for health insurance costs

ACA (or Marketplace) plans are designed to give you basic health benefits. You can check to see if you qualify for help with paying for your plan. You can learn more at or call 1-844-joinUHC.

Depending on your family situation and annual income, you may be able to get a tax credit to help offset your health insurance costs. You can visit to see if you qualify for a tax credit before you start buying your plan.

Coverage for pre-existing conditions

Under current law, for ACA health plans that meet minimum essential coverage (MEC) requirements, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014.

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The Company does not discriminate on the basis of race, color, national origin, age, disability, or sex in its health programs or activities. To learn more, read the entire Non-Discrimination Notice.

Attention: This website is operated by United HealthCare Services, Inc. and is not the Health Insurance Marketplace website.